@Red1Blue wrote:
Helping your scoreYou've limited the use of your available credit
Ratio of your revolving balances to your credit limits
1%For FICO High Achievers [?], this ratio is 7%, on average.
Should I increase my util to 7%?
Shoot, no. Keep it way under that.
What does it say over on the other side, with the negative comments? Those are the categories to go after.
Note to all readers: there are some things that you just can't fix, or you can fix them only so far. If you have these, it's just a question of keep on, keepin' on, and don't make any more mistakes.
concorduser wrote:
I have less than 1% util. Balances showing on 4 cards out of 12.
STOP apping and sit tight!
fused wrote:
concorduser wrote:I have less than 1% util. Balances showing on 4 cards out of 12.STOP apping and sit tight!
not untill you pry the pen/keyboard out of our cold dead hands!
calling all sleigh center inmates, burn the tp and tie up the staff!
@dnm45227 wrote:
not untill you pry the pen/keyboard out of our cold dead hands!calling all sleigh center inmates, burn the tp and tie up the staff!
Ooooooo! gettin' ugly here!
Hauling, here is the items from negatives on page 2.
Looks like one paid collection and 5 lates is hurting my scores. I have to see what I can do to get them removed.
You have a collection and a serious delinquency on your credit report.
Number of your accounts that were ever 60 days late or worse:5
Your most recent collection occured 2 Years, 3 Months ago
Your oldest account was opened
13 Years, 2 Months agoFICO High Achievers [?] opened their oldest account 19 years ago, on average.
13 Years, 2 Months ago
FICO High Achievers [?] opened their oldest account 19 years ago, on average.Average age of your accounts
4 yearsMost FICO High Achievers [?] have an average age of accounts between 6 and 12 years.
4 years
Most FICO High Achievers [?] have an average age of accounts between 6 and 12 years.